Top Ways to Save on Gray Auto Insurance

Overpriced auto insurance can take a big chunk out of your savings account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates quite often because prices are constantly changing. Even if you got the best price a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you're about to find out the only way to find the best coverage while lowering your premiums.

Georgia auto insurance quotes

Take advantage of discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • College Student - Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Sign Online - Certain companies may give you up to $50 just for signing your application digitally online.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

For a list of companies offering auto insurance discounts in Gray, click here to view.

Low Cost Gray Auto Insurance

Finding a better price on auto insurance can be quick and easy. Just take a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotes for every auto insurance company. One form compares rates instantly.

A slightly less efficient method to compare rate quotes is going to the website for each individual company and fill out their own quote form. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your information, and that's why the first method is more popular.

To view a list of companies in Gray, click here.

It's up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles for each comparison quote. If you compare different liability limits it will be very difficult to determine the lowest rate in Gray.

How to know if you need help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • What are Georgia no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

In the end, you save

When shopping online for auto insurance, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price.

We covered some good ideas how you can get a better price on auto insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier. These companies can often insure niche markets at a lower cost than their larger competitors like .